Although this will soon change, but I haven't done a down payment of my own money since 2015 and I'm up to 9 doors (including primary) and gearing up to buy more through leverage. 

Hi Josh, So, we are missing some details about your loan - I assume it is a primary residence with you renting out the other side of the duplex?

This is really killing my optimism for the property and even ADUs need to have primary owner living on site. 

I assume it wasn’t your primary home 2 of the last 5 years to avoid the taxes as you say you live out of state. 

There are 2 mini splits per unit- one in the primary and one in the living area.

Hey! I have been successfully renting out 3 rooms in my single family home while living in the unfinished basement for a little over two years now. I have only had to change over tenants one time and each three rooms ...

Hey! I have been successfully renting out 3 rooms in my single family home while living in the unfinished basement for a little over two years now. I have only had to change over tenants one time and each three rooms ...

Hey! I have been successfully renting out 3 rooms in my single family home while living in the unfinished basement for a little over two years now. I have only had to change over tenants one time and each three rooms ...

However, they won't wait for me to sell my current home to use as a down payment on the second home.If I use the cash I've saved as the down payment on my new primary residence, can I take the proceeds from selling my current home and apply them to new construction or a mortgage on an investment property?

Down payment can be higher than primary, but the good thing is that you won't need that much income to qualify because lenders can you 75% of the market rents for the units of the property.